Solution: use a password manager, and write down your key/password details on a piece of paper that you store in physical vault - the key to which you can instruct to provide via last will & testament.
As you get older, build up assets, have a family, etc, you then realise that you have a choice: pass on what you have built to your wife, children, nephews, friends, etc or let the government have it all when it passes to 'general revenue'.
Now that's your choice, pass it on to loved ones, or throw it away. Most of us would rather it went to the Retired Pussycats Home than let the government get its dirty hands on it.
Without your Will, the government can take the lot. (That rarely happens, but it's a good possibility. You know: Admin Fees, Storage Fees, Consultants Fees, Legal Fees, Fees for this, Fees for that. Amazing how quickly all those little fees can add up.)
I'm not particularly young and in fact do have assets. Perhaps more assets than most. I expect to have no need of them when I'm gone and don't particularly care what happens after that. I will write down a few passwords and general guidelines for whoever is left, but I figure they can do what they want at that point.